Best Accounts Payable Software 2025: Top AP Automation Tools for Businesses

The efficiency of financial operations often relies heavily on your Accounts Payable (AP) process. Relying on manual data entry is no longer viable in today's competitive landscape. Thus, accounts payable (AP) automation is a popular solution, transforming the burdensome "invoice-to-pay" cycle into a streamlined, high-efficiency operation.

This comprehensive guide dives into the Best Accounts Payable Software for companies operating in the US, examining the top AP automation tools available. We'll help you select the platform that will turn your AP department from a cost center into a strategic, data-driven asset.

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Table of contents
Best Accounts Payable Software: Quick Overview Tipalti Medius Ramp Bill.com Why QuickBooks Stands Out Save Time and Money On Overseas Payments With Wise Business Frequently Asked Questions (FAQs)

Best Accounts Payable Software: Quick Overview

Provider	Monthly fee	Great for
Tipalti	Starting at $99/month.¹	Companies looking for scalable, global AP automation with tax compliance.¹
Medius	Contact for pricing (custom quote).³	Mid to large enterprises needing advanced automation and AI tools.³
Ramp	$0/user/month basic; upgrades from ~$15.²	Small teams or startups wanting simple finance ops and spend control.²
Bill.com	Around $89/user/month.⁴	Businesses seeking combined AP and AR with strong integrations.⁴
QuickBooks	Subscriptions range from $90 to $200 per month for software	Firms looking to take their first steps in AP automation.

Tipalti

Great for:

Tipalti is designed for organizations that are looking for automation software that can support multi-entity operations and cross-border payments.¹ As one of the Best Accounts Payable Software, it is often used by mid-sized and enterprise businesses requiring structured payment workflows, tax compliance and supplier management.¹

Key features:

Tipalti combines powered AP automation with practical tools for managing accounts payable from start to finish.¹ It includes supplier self-service, multi-currency support, tax form collection and reconciliation features.¹ The tools included in the software make it useful when you compare which accounts payable software is best for small businesses or which is the best accounts payable automation software for enterprises, since it’s designed to handle both everyday tasks and complex financial workflows.¹

Benefits	Considerations
Strong global payments with multi-entity and multi-currency support.¹	Pricing isn’t public, making comparisons harder.¹
Powered AP automation helps reduce manual data entry and errors.¹	Can be complex for very small businesses.¹
Built-in tax compliance and supplier onboarding.¹	Implementation can take time and resources.¹
Scalable features for mid-sized and enterprise teams.¹	Some tools may require training to use fully.¹
Comprehensive reporting and reconciliation.¹	Limited flexibility for highly specialized workflows.¹

Account fees

Tipalti does not publicly list its pricing, which means businesses need to request a custom quote.¹ Costs typically vary based on company size, transaction volume and required features.¹ This is what we would refer to as “tailored pricing,” and it can be helpful for larger organizations, but may make it harder for smaller teams to estimate costs upfront.¹

Trust pilot rating: 3.6/5⁶

Medius

Great for:

Medius is built for organizations looking to modernize AP through AP automation software.³ It’s commonly used by mid-sized and enterprise businesses to reduce manual work and gain clearer visibility into invoice processing.³ Companies handling large invoice volumes or multiple departments can use it to centralize workflows and make approvals quicker.³

Key features:

Medius offers automated invoice capture, matching and approval routing.³ Its AI-powered AP automation reduces manual data entry and speeds up processing.³ Built-in analytics and reporting provide real-time visibility into cash flow and performance, so it’s a structured option when evaluating the Best Accounts Payable Software.³

Benefits	Considerations
Strong invoice workflow visibility for tracking approvals.³	Pricing can be higher than some competitors.³
Two-tiered payment security adds extra control.³	Performance may slow with very large payment volumes.³
Customizable workflows support remote operations.³	Setup and reporting can have a learning curve.³
Responsive customer support during onboarding.³	Some interface elements may feel less intuitive.³

Account fees

Medius doesn’t list pricing publicly, so businesses must request a custom quote.³ Costs will typically vary by company size, invoice volume and features, but the flexible model benefits larger firms, and makes cost comparisons harder for smaller ones.³

Trust pilot rating: 3.8/5⁷

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Ramp

Great for:

Ramp is a good fit for startups and small to mid-sized businesses that want to modernize how they handle payments without dealing with complex systems.² As companies explore which accounts payable software is best for small businesses, Ramp is often mentioned for its simple setup and clear workflows.² It’s designed for lean teams that want to bring structure and visibility to their processes through reliable automation software.²

Key features:

Ramp’s key features often include its smart automation to help businesses manage their payables more efficiently.² It also includes invoice capture, approval workflows and real-time tracking, all within a clean interface.² The platform is well known for its ability to integrate with major accounting tools, and even reduce manual work and errors.² So, it’s clear that Ramp provides practical, accessible features rather than heavy customization.²

Benefits	Considerations
Simple, intuitive interface that’s easy for small teams to use.²	It may lack some advanced features that larger enterprises need.²
Strong AP automation software tools for invoice capture and approvals.²	Limited customization compared to more complex AP platforms.²
Real-time visibility into spending and payments improves control.²	Not as focused on global or multi-entity payment support.²
Integrates well with popular accounting software like QuickBooks and Xero.²	Reporting is straightforward but not as in-depth as enterprise-level solutions.²

Account fees

Ramp offers its core app automation software and bill pay features with no monthly user fees.² Standard ACH payments are free, but optional services like same-day ACH or international wires have small flat fees.² If your team needs extra features, Ramp’s paid plans use custom pricing based on usage and business size.²

Trust pilot rating: 4/5⁸

Bill.com

Great for:

Bill.com is designed for businesses that want to centralize their accounts payable workflows.⁴ It’s often used by small to mid-sized companies that want to move away from manual invoice handling and paper-based approvals.⁴ By offering tools that make payments more efficient and automate routine tasks, Bill.com can support teams that need a structured, digital approach to managing financial processes.⁴

Key features:

Bill.com provides features that focus on automating key steps in the accounts payable cycle.⁴ This includes invoice capture, approval routing, digital payments and integration with major accounting software platforms.⁴ The platform supports both domestic and international payments, while also offering audit trails and customizable workflows.⁴ These capabilities help businesses improve efficiency and maintain better visibility across their financial operations.⁴

Benefits	Considerations
Automates key AP tasks like invoice capture and payments.⁴	Pricing can be less transparent for some plans.⁴
Integrates with major accounting software for better workflows.⁴	Some advanced features need higher-tier plans.⁴
Supports both domestic and international payments.⁴	Interface can feel complex for new users.⁴
Digital audit trails and customizable workflows improve visibility.⁴	Setup may take time for teams moving from manual processes.⁴

Account fees

Bill.com uses a tiered pricing model based on features and automation levels.⁴ Plans vary for accounts payable, receivable or combined options, and basic tiers suit small businesses, while advanced features require higher plans.⁴ Exact pricing often requires a custom quote.⁴

Trust pilot rating: 2.5/5⁹

Why QuickBooks Stands Out

Great For:

QuickBooks is an incredibly versatile platform, but it truly excels for businesses that fit certain operational and size profiles. QuickBooks is a comprehensive financial management system designed to help small and medium-sized businesses manage their financial operations efficiently. It streamlines and automates many core accounting tasks, allowing business owners to track sales, pay bills, manage payroll and generate detailed financial reports.

Key features:
QuickBooks is a comprehensive financial platform designed primarily for SMBs, centered around automating core accounting tasks. Its key features include automated transaction tracking by linking bank accounts and capturing receipts, robust invoicing and payments functionality for managing accounts receivable, and essential bill management to handle accounts payable.

Benefits	Considerations
Industry standard and accountant familiarity with widespread adoption and easy collaboration	Expensive tiers and add-on fees can significantly increase the monthly costs
Comprehensive features and scalability as an all-in-one solution	Users report occasional issues with customer service and system glitches
Easily integrated with a vast number of third-party and banking apps	Sheer number of features, menus and reporting options can be a steep learning curve for those with no accounting background
Cloud-based accessibility allows access from anywhere and automatically updates and backups your data	As QuickBooks is an cloud-based service, a poor internet connection can severely limit your ability to work

Account fees

QuickBooks account fees are divided into two primary categories: a recurring monthly subscription fee for the core accounting software, which is tiered by feature set and user limits, ranging from around $38 to $275 per month for the main tiers (Simple Start through Advanced); and various transaction-based and add-on fees for optional integrated services. The most significant add-on costs are for QuickBooks Payroll, which includes a monthly base fee (starting around $50/month) plus a per-employee charge ($~6.50/employee/month) and QuickBooks Payments, which charges a percentage fee per transaction, typically around 1% for ACH bank transfers and 2.5% to 3.5% for credit card processing, depending on whether the card is swiped or keyed-in.

Trustpilot rating: 4/5

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Signing up to Wise Business allows access to BatchTransfer which you can use to pay up to 1000 invoices in one go. This is perfect for small businesses that are managing a global team, saving a ton of time and hassle when making payments.

Some key features of Wise Business include:

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• Auto-conversions: Don't like the current currency exchange rate? Set your desired rate, and Wise sends the transfer the moment the rate is met

• Free invoicing tool: Generate and send professional invoices

• No minimum balance requirements or monthly fees: US-based businesses can open an account for free. Learn more about fees here

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Frequently Asked Questions (FAQs)

What is the best accounts payable automation software?

The best accounts payable automation software depends on your company’s size, payment volume, and workflow needs. Popular options include Tipalti,¹ Bill.com,⁴ Medius³ and Wise,⁵ each offering unique features for automating invoices, approvals and payments.

Which accounts payable software is best for small businesses?

For small businesses, solutions like Bill.com⁴ and Wise⁵ are often preferred. They’re affordable, easy to set up, and provide core automation features such as invoice processing, approvals, and payment scheduling without requiring large implementation teams.

Which is the best accounts payable automation software for enterprises?

Enterprises typically choose platforms like Tipalti¹ or Medius³ for their scalability, global payment support, and compliance tools. They typically handle complex workflows and high transaction volumes while integrating with major ERP and accounting systems.

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Sources:

1. Selecting the Best Accounts Payable Software | Tipalti
2. Accounts Payable Software for Small Business | Ramp
3. Medius Accounts Payable Automation | Medius
4. Accounts Payable | Bill.com
5. U.S. Pricing | Wise
6. Trustpilot Reviews| Tipalti
7. Medius Reviews | Trustpilot
8. Ramp Reviews | Trustpilot
9. Bill.com Trustpilot Reviews | Trustpilot
10. Wise | Trustpilot Reviews